Among all those fastest leading general insurance companies, Bajaj Allianz Health Insurance is one of the fastest growing companies in India. On various grounds, this company has displayed its capability, bu providing insurance products like motor insurance, health insurance, travel insurance, home insurance and different others. The company has been rewarded with varying esteemed prizes and certificates. Of late the company has received Best General Insurance Company Award in 2015 so it proves how much this company has earned proficiency and since the day of its inception the market reputation is going up.
Health is the biggest asset and of the treasured possession and it is one fundamental duty to take care of health and do something worthwhile to protect health from impending troubles. Apart from ensuring medical treatments one should be aware of insurance and move ahead in insuring health. Bajaj Allianz Health Insurance
What Bajaj Allianz Health Insurance will be offering
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Most of the time, when people apply for a life insurance, they do not think about the accidental insurance plan that holds high importance when a person meets an accident. People experience accidents in their daily life, which is the major reason why people are ready to invest their money in personal accident insurance.
Prime duties of an accident attorney: There are some special objectives of the attorney filing for a claim of an accidental insurance plan. Let us explore the objectives related to the same as follows, • A personal accident insurance attorney will inform you about the special exceptions on the basis of the limitations and rules set by the government, which can be a hindrance in acquiring the coverage money from the insurance company. • The attorney files a lawsuit on behalf of the insured, if there is any opposition raised by the opposing party. Also, a legal action is very necessary to put a strong emphasis on the case while negotiating on for the settlement. A personal accident insurance attorney does all the legwork, he files all the paperwork and other documents that are required while claiming for the insurance. It is the prime duty of the attorney to get the client a fair settlement from the insurance company, so that all his medical expenses are covered in the coverage amount paid by the insurance of the company. The attorney acts and completes all the paperwork on your behalf, so that the client doesn’t have to take any stress about getting an assured coverage amount. Things to know: There are certain things that a personal attorney should know, before filing for any of the accidental insurance plan. Let us explore few of the important high points, related to the same as follows, • Most of the accidental insurance plans provide protection to the family. A person can go through a severe accident which can even lead to his death, then why should a person, should go for personal accident insurance? Well, the major reason behind this is that the accidental insurance plan offers much more coverage than a normal life insurance. Also, a personal insurance plans are more affordable than the traditional life insurance policies. It is one of the major reasons behind increasing the coverage in case of an accident. • Another thing that person should observe while filing an accident coverage is to understand the needs of the family. Sudden death leaves the family unprepared for the precious loss, along with the loss of incomes that are needed in fulfilling the expenses of the accidental death. Buying a personal accident insurance, not only helps in providing financial aid to the family, but keeps the family prepared mentally and financially. • A life insurance policy does not cover any type of permanent injuries, and a medical insurance will only pay for the medical bills. But a good accidental insurance plan pays for the all the accidental losses depending upon the severity of the injury. It is always a good decision to hire a personal accident insurance attorney as they have expertise in this field; they have proper knowledge of the legal procedure, support staff, negotiating expertise. It is necessary to hire an expert attorney, because it will save a lot of money, because his legal knowledge and expertise can easily get you attain the coverage from the insurance plan. Being a personal attorney of the family, it becomes the prime duty of layer to provide full assistance to the family. If your family is not protected from any of the catastrophe then, it is the right time to apply for an accidental insurance plan so that all the expenses of the injuries will be paid by the insurance company depending upon the severity of the injury. Over the years, cashless Mediclaim has become a popular option amongst people. In fact, for most people health insurance remains synonymous with cashless Mediclaim. Given the soaring popularity of cashless Mediclaim, it’s no wonder a large fraction of people, especially salaried individuals; opt for it to ensure comprehensive protection for self and family.
But often, policy holders are required to pay the hospital bills upfront and then file for a claim later. Getting cashless facility becomes even tougher in cases where the hospitalization is for less than 24 hours. But why does this happen? The reason is simpler than you would have ever imagined. Typically, insurers get to pay more from their pocket in the case of cashless insurance. This is because most hospitals charge exorbitant fee, even for simpler procedures, if a patient is insured. Most patients do not oppose this as the charges are not to be borne by them, but the insurance company. This is the reason why most insurers do not like cashless facility and offer discounts to those who don’t opt for cashless facility in their health insurance. Here’s a common scenario! Many people with cashless mediclaim avail the hospitalization and medical treatment costs out of their own pockets and file a claim with their health insurance companies later. But you’ll be surprised to know that a fair share of those claims is rejected. Why is that? This is due to the lack of proper documentation. We’re sure you’re wondering: “What are the essential documents that I require to successfully file a claim for cashless mediclaim?” Well, brace yourself, we’re going to present to you three vital documents that you must have ready when filling for cashless mediclaim reimbursements. So, let’s begin! Shall we? 1. Hospital Admission Advice - The very first document on this list is the admission advice from your consulting doctor. Do well to procure an admission advice that specifically states that you or the patient is required to be admitted to the hospital for treatment. What if there has been a medical emergency situation and the patient has already been admitted to the hospital without an admission advice? Well, in cases like this, you may ensure keeping the prescription from the consulting doctor at hospital’s emergency facility handy with you. Don’t forget to attach this document along with your claims form to ensure hassle-free claim for your cashless mediclaim. 2. Discharge Invoice/Summary – The second most important document that you must keep handy with you to facilitate claims for your cashless mediclaim is the discharge slip or summary for the hospital where the patient was admitted. Make sure to collect a detailed discharge invoice or summary that categorically states the time frame for which the patient was hospitalized, what the medical procedure/treatment that he/she availed, how is health of the patient now and when has he/she been discharged from the hospital. 3. Fitness Certificate – The third and the most important document that you would need to keep handy with you to successfully file for mediclaim reimbursements is the fitness certificate from the consulting doctor. The fitness certificate must clearly state that the patient who was admitted at the hospital (name of the hospital) is fit and fine after going through the medical procedure/treatment at the hospital. In addition, the document must also state if the patient has been advised bed rest, or any medications by the consulting doctor. Don’t forget to ensure the time-frame in case the patient has been described with bed rest. Over to You! Remember, bills and receipts of the hospitalization and medical treatment aren’t the only set of vital documents that you need to keep handy for reimbursements for your mediclaim. You’ll also need to ensure the three above mentioned documents to get your claim successfully processed and settled by your health insurance company. In fact, your health insurance company wouldn’t even entertain your claim if you do not have these three documents with you. So, whenever you plan to avail cashless mediclaim facility, do ensure these three simple documents to facilitate your claim procedure, without having to run from pillar to post. |